1 life Report 8 Surveys conducted on behalf of Deutsche Telekom. How the cell phone becomes a wallet. Report
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1 1 life Report 8 Surveys conducted on behalf of Deutsche Telekom How the cell phone becomes a wallet Report
2 02 life Report 8 According to every third person surveyed, mobile payment will be a reality in in 2014 Smartphones take the lead: Americans think that mobile devices will have the edge over cash and cards for payments Americans have their smartphones with them at all times Payments via smartphone Smartphones are versatile devices they store our music and photos, not to mention our contact lists. They let us surf the Internet, and most telephone calls are made with mobile devices. Now smartphones can also serve as mobile wallets. Everything that we used to carry in our wallets or pocketbooks can now be stored in our cell phones in virtual terms, of course: driver s licenses, ID cards, credit cards and money. Deutsche Telekom and TNS surveyed consumers in and the United States to find out what they think about this payment technology and what they expect from it.
3 03 life Report From online shopping to mobile shopping ONLINE SHOPPING is a normal part of daily life in and the United States: 90% of the Germans and 84% of the Americans surveyed said that they have made purchases via the Internet. Every tenth person surveyed ( 9% / US 11%) shops online several times per week. The latest discovery is the fact that more and more consumers are using mobile devices for online shopping. Every fifth person surveyed (20%) in and every third US consumer (32%) has used a smartphone for Internet shopping. One in ten Germans (8%) and one in seven persons surveyed in the US (14%) uses a smartphone for shopping several times per week. More and more bank transactions are also being handled this way: every fourth person surveyed (24%) checks the status of their bank accounts or even transfers funds by smartphone. The step between mobile banking and mobile payment using a cell phone is apparently rather small. In, two out of three people surveyed (66%), and even 85% in the US, believe that it is highly probable that mobile payment via smartphone will become an established practice in addition to cash and card payment methods. The percentage is even higher when surveying people who already use a smartphone: 74% in and 93% in the United States. And we are not talking about the distant future. The majority of those surveyed believe that mobile payment will be an established practice within only two years from now. In fact, one in three Germans (31%) and even every second US consumer (49%) expects that mobile payment will be common practice as early as Only a small minority believes that mobile payment will not be significant in the future approximately every tenth person surveyed ( 12% / US 10%). More than just a visionary dream Nine in ten US citizens and two in three Germans say that mobile payment will become prevalent 49% 31% 66% 86% Mobile payment in daily life As early as 2014 shopping per smartphone will be a normal part of daily life. Every second consumer in the US and every third in believes this
4 04 life Report Trust in security Smartphone vs. cash what would you pay for using a cell phone? WHEN IT COMES TO MONEY, everyone is naturally concerned with the issue of security. Nearly all of those surveyed said that trust in the security of the payment system is especially important. Almost equally important ( 96% / US 94%) is the consumer demand for a mobile payment system that is very easy to use. And those surveyed in both countries said that acceptance of the mobile payment system is an essential factor. Nine in ten consumers ( 96% / US 92%) demand that the payment system must function nearly everywhere, and not just in a few isolated stores. Also of extreme relevance to nearly all those surveyed ( 96% / US 89%) is the ability to keep track of one s own expenses and accounts when using the smartphone as a payment device. And what kinds of things would Germans and Americans buy using their smartphones? It should come as no surprise that the smartphone received high ratings as a device for purchasing small items: 70% () and 75% (US) of those surveyed could imagine buying bus or subway tickets using a smartphone rather than cash or cards. However, the latest survey did indicate a key trend: payment via smartphone will likely expand to other areas of daily life. For example, every second German (45%) and three in five Americans (61%) could imagine paying for furniture, electronic devices, and other large purchases using a smartphone instead of cash or cards. The percentage is even higher among those surveyed who already use a smartphone: 49% and 78%. In, more than half of those surveyed would be likely to use a smartphone for grocery shopping: 57% would use the device in supermarkets, and also in bookstores and drugstores. In the United States, two in three consumers surveyed (68%) would do this. Small articles 52% 60% Tickets (bus, subway) 81% 85% Gasoline 74% 79% Smartphone users Daily necessities 64% 78% Clothing 64% 79% Consumer durables 45% 71%
5 05 life Report The mobile wallet Shopping in the future Two in three American smartphone users are convinced that cell phone payment will be the norm in 10 years 62% 63% 42% MOST PEOPLE carry more than cash in their wallets and purses they also carry ID cards, tickets, discount cards, and similar items with them. Theoretically, the smartphone could also do this much better. The most recent TNS survey shows that consumers, if only in isolated cases, already use their cell phones for more than just calls and payments, and they are open to accepting and using new functions as well. Every fifth smartphone user ( 22% / US 23%) says they have used their smartphone to redeem discount cards, and more than half ( 56% / US 60%) can imagine doing so. The same applies to movie and concert tickets. About 9% of those surveyed in and every sixth smartphone user in the US (16%) have already purchased movie tickets digitally using their smartphone display. Two in three surveyed (63%) said that they would consider using the device for this purpose. That also applies to travel tickets and boarding passes. Only a few of those surveyed in this group (travel tickets: 12% / US 13%; boarding passes: 11% / US 16%) have actually done this. However, two in three consumers ( 66% / US 62%) in both countries can imagine purchasing a virtual ticket via smartphone. Mobile boarding passes for airplanes also achieve a similarly high acceptance rating ( 57% / US 60%). 49% Every second consumer in and the US believes that we will pay for groceries, clothing, and books using smartphones by 2022
6 06 life Report 8 The cell phone as mobile wallet The majority believe that more and more tickets, discount cards, and travel tickets will be purchased digitally Tickets (bus, subway, etc.) Discount cards 12% 66% 22% 56% 13% Today* In the future 62% 23% Today In the future 60% 4.0 Paying by cell phone will be routine Coupons/discount vouchers in stores 21% 58% 30% Today In the future 59% Movie/concert tickets 9% 63% 16% 63% Today In the future WHAT WILL SHOPPING BE LIKE in the future? The current Life Report indicates that we will all adjust to shopping with our smartphones quite easily. Two in three Germans (63%) and 60% of those surveyed in the US believe that in ten years time we will pay for travel tickets via smartphone. The survey ranks payment by cell phone even above cash, bank cards, and credit cards. Every second consumer ( 49% / US 53%) believes that we will soon be paying for typical purchases groceries, books, or a new pair of pants by cell phone. This trend is already apparent among American smartphone users: The majority (63%) believe that these kinds of purchases will involve smartphones, followed by card payment (62%) and cash payment (42%). Boarding passes (airplanes) 11% 16% 57% 60% Today In the future *Figures for current usage: smartphone users
7 07 life Report 8 Always within reach In, every second person surveyed never leaves home without their smartphone. Among American smartphone users, the number is nine in ten 37% Credit card 53% Smartphone 91% Wallet 98% Keys 91% Smartphone 5.0 Don t leave home without it 48% Credit card 79% Wallet 86% Keys AN EVER INCREASING NUMBER of functions in smartphones makes them universal mobile devices that we need to have with us at all times. The mobile phone is always in our pocket and accompanies us wherever we go we don t leave home without it. In the latest survey, the majority of consumers ( 98% / US 86%) said the first item they put in their pocket is their keys, followed by a wallet, and then a cell phone (in order of importance). However, the third-ranked cell phone is catching up: those surveyed in the US who already own a smartphone ranked the device no. 1 in importance. Nine in ten Americans (91%) never leave home without their smartphone. In the future it is very likely that they will not need to take their wallet with them at all.
8 08 life Report 8 METHOD The survey was conducted by TNS Infratest on behalf of Deutsche Telekom in May/June The respondents comprised online users aged 18 years or older in private households in the Federal Republic of and the United States of America. The random sampling is representative of this survey population. Computer-aided, webbased interviews were conducted with 2001 individuals in and 2000 individuals in the United States. PUBLICATION DETAILS Smart payments How the cell phone becomes a wallet c/o Deutsche Telekom AG Friedrich-Ebert-Allee Bonn Bonn District Court HRB 6794, Registered office: Bonn VAT ID No.: DE WEEE-reg.-no.: DE All rights reserved. Copyright 2012 by Deutsche Telekom AG. This publication is protected entirely and in parts by copyright. Unauthorized use of this publication according to the terms of the legal copyright and without the prior approval of Deutsche Telekom AG is not permitted and liable to prosecution. This especially applies to translations, copies, microfilm versions, and storage, as well as processing of the document using electronic systems. CONCEPTION/SURVEYS: TNS Infratest GmbH Alexandra Dusel EDITING: Björn Muscheid Thomas Hamann DESIGN AND CONCEPTION: G+J Corporate Editors GmbH Mareike Krause Illustration: Thomas Kappes
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